How much is an index finger injury worth in Iowa workers' comp?
In Iowa, an index finger injury is worth up to $78,295 for total loss (35 weeks, at the $2,431 weekly maximum). With 25% loss of use and a $1,200 after-tax weekly wage, the award is about $8,400. That is the statutory award for the permanent injury; medical care and benefits while you are off work are paid separately.
How an index finger injury is paid in Iowa
Each week is paid at 80% of your average weekly wage after taxes (spendable earnings), up to $2,237 a week.
If your doctor rates a partial loss of use, the award is generally that percentage of the scheduled weeks. A 25% rating works out to 8.75 weeks.
What is different in Iowa
Iowa gives the shoulder its own 400-week schedule. PPD begins when maximum medical improvement is medically indicated.
Worked examples
| Rating | $800 after-tax weekly wage | $1,200 after-tax weekly wage | $1,600 after-tax weekly wage |
|---|---|---|---|
| 10% loss of use | $2,240 | $3,360 | $4,480 |
| 25% loss of use | $5,600 | $8,400 | $11,200 |
| 50% loss of use | $11,200 | $16,800 | $22,400 |
| 100% loss of use | $22,400 | $33,600 | $44,800 |
Calculate your index finger award
Compare only the same benefit component on the same gross basis. If an offer includes medical care, temporary benefits or other rights, do not enter it here. The balance subtracts payments for this same benefit only, not fees or other offsets.
The result is the statutory permanent award only. Medical care, temporary benefits and fees are not included. Use the exact rating from the medical report: a body-part rating and a whole-person rating are not interchangeable.
Index-finger injuries: verify the digit and loss level
The index finger is not interchangeable with another digit. Ask whether the report describes stiffness, tendon or nerve damage, or an amputation at a specific level. Verify whether the percentage is expressed for the finger, hand or whole person before applying the formula shown here.
Settlement value vs. the statutory award
The statutory benefit described here and a settlement value are different figures. Request an itemized proposal identifying the benefits included, amounts already paid, deductions, future medical treatment and rights being resolved. Which benefits can be settled and what approval is required depend on state rules. This page does not calculate future medical costs or predict a negotiated outcome.
Iowa vs. neighboring states
| State | How an index finger injury is paid | Max for total loss |
|---|---|---|
| Iowa | 35 weeks | $78,295 |
| Illinois | 43 weeks | $46,640 |
| Minnesota | impairment rating (see rule) | — |
| Missouri | 45 weeks | $30,518 |
| Nebraska | 35 weeks | $40,810 |
| South Dakota | 35 weeks | $40,320 |
| Wisconsin | 60 weeks | $27,240 |
"Max for total loss" applies to body-part schedules at the top weekly rate. Compare all 50 states and D.C.
While you recover: temporary disability in Iowa
Weekly temporary benefits while you cannot work follow these rules:
| Weekly rate | 80% of the worker's weekly spendable (after-tax) earnings |
|---|---|
| Maximum weekly benefit | $2,431 (Injuries 2026-07-01 to 2027-06-30 (prior: $2,350 for 2025-07-01 to 2026-06-30)) |
| Minimum weekly benefit | Lesser of the benefit for an employee earning 35% of state AWW, or the worker's actual spendable weekly earnings ($ amount for FY27 not confirmed) |
| Waiting period | 3 days |
| Waiting days paid back after | 14 days of disability |
| Time limit on temporary benefits | No fixed week limit in statute |
Estimate your weekly check
Assumes temporary total disability and no post-injury work earnings. It does not calculate partial disability, retroactive payments, offsets or special low-wage rules. Confirm the injury date and the insurer's wage calculation.
Frequently asked questions
How much is an index finger injury worth in Iowa workers' comp?
Iowa sets 35 weeks for total loss, up to $78,295 at the top weekly rate. A partial loss is paid in proportion to your doctor's rating: with 25% loss of use and a $1,200 after-tax weekly wage, about $8,400.
What is the average workers' comp settlement for an index finger injury in Iowa?
Iowa does not publish an official average settlement. The best benchmark is the statutory award for your rating: with 25% loss of use and a $1,200 after-tax weekly wage, about $8,400. A settlement can be higher or lower depending on future medical care, disputed ratings and which other benefits it closes.
What is the maximum weekly workers' comp benefit in Iowa in 2026?
The maximum weekly temporary total disability benefit is $2,431.
Is there a waiting period in Iowa?
Yes. Iowa does not pay the first 3 days of lost time, but pays them back once disability lasts more than 14 days.
Which law sets these amounts?
Iowa Code 85.32 (waiting period), 85.33 (TTD/TPD), 85.34 (PPD schedule), 85.36 (spendable earnings), 85.37 (max/min); Iowa Code 85.34(2) (schedule incl. shoulder; paragraph v for other cases). The official sources are linked at the bottom of this page.
Other injuries in Iowa
Law and official sources
Includes secondary sources
Statute: Iowa Code 85.32 (waiting period), 85.33 (TTD/TPD), 85.34 (PPD schedule), 85.36 (spendable earnings), 85.37 (max/min); Iowa Code 85.34(2) (schedule incl. shoulder; paragraph v for other cases)
- Workers' Compensation Division, Iowa Department of Inspections, Appeals, and Licensing (official site)
- legis.iowa.gov/docs/code/85.32.pdf
- legis.iowa.gov/docs/code/85.33.pdf
- law.justia.com/codes/iowa/title-iii/chapter-85/section-85-37/
- codes.findlaw.com/ia/title-iii-public-services-and-regulation-chs-80-122c/ia-code-sect-85-
- legis.iowa.gov/docs/code/85.34.pdf
Figures checked September 30, 2026. Maximums change every year; confirm current figures with the Iowa workers' compensation agency.
Estimate only. Your real award depends on your doctor's rating, your wage records, offsets and settlement terms. This page is general information, not legal advice.